Is a Non-QM Loan Right for You?

Flexible options for loan amounts that exceed conforming loan amounts and product guidelines. Benefit from low rates, competitive closing costs, and our streamlined approach on a customized Non-Conventional Loan.

Non-conventional loans may be the right solution when looking for:

  • Expanded guidelines and enhanced options
  • Tailored mortgage solutions for unique financial situations
  • Customized Portfolio Loans and Interest-Only Mortgages

To learn more about Non-QM loans call (855) 620-0238

What is a Non-Conventional Loan?

A non-conventional loan is a mortgage that doesn’t meet the guidelines for a conventional loan set by Fannie Mae and Freddie Mac. Often a loan is classified as non-conventional because the loan amount exceeds the conventional limit, which is $647,200 in most U.S counties. In addition to higher loan amounts, non-conventional loans from West Capital Lending can offer expanded down-payment and credit qualification options.

Non-Conventional Loan Benefits

A Non-Conventional Loan can be an option when your loan amount exceeds the conventional loan limit, $548,250 for most U.S. counties.

Potential benefits include:

  • Jumbo and Super Jumbo loan amounts of up to $30 million or more
  • Flexibility to choose either a fixed-rate or an adjustable-rate mortgage (ARM)
  • Personalization for complex financial situations
  • Financing for non-owner occupied properties